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From
consumer loans to home equity lines and mortgages, VNB helps
you get access to the money you need to improve your life. Whether
it's something as small as overdraft protection or as large
as a mortgage, we make sure you have easy access to a decision
maker, a fast response, and a clear understanding of the terms
of the loan.
CASH
RESERVE
| • |
Overdraft
protection |
| • |
Lines
available from $500.00 |
| • |
Access
through the associated VNB checking account |
| • |
Monthly
repayment of 5% of the outstanding balance, minimum payment
of $25.00 |
| • |
No
transaction fee |
| • |
Automatic
deduction of the monthly payment is available |
| • |
No
prepayment penalty |
INSTALLMENT
LOANS
| • |
Personal
loans for cars, boats, and other personal needs |
| • |
Quick
response from local decision makers |
| • |
Flexible
loan rates and terms |
| • |
Automatic
deduction of the monthly payment is available |
HOME
EQUITY LINE OF CREDIT
| • |
Personal
line of credit secured by personal residence |
| • |
Access
by writing a check or through online banking |
| • |
Various
payment options are available |
| • |
Automatic
deduction of the monthly payment is available |
| • |
No
closing cost on lines of $20,000 or more |
| • |
A
fee may apply for early closing |
HOME
EQUITY LOAN
| • |
Amortized
up to 15 years; rate adjustments every 3 or 5 years |
| • |
Secured
by personal residence |
| • |
Automatic
deduction of the monthly payment is available |
PERSONAL
LINES OF CREDIT
| • |
Access
by writing a check or through online banking |
| • |
Various
repayment options are available |
| • |
Automatic
deduction of the monthly payment is available |
ADJUSTABLE
RATE MORTGAGES (ARMs)
| • |
ARMs
are subject to rate adjustments at regular intervals and
are based on the then prevailing market rate. |
BALLOON
MORTGAGES
| • |
Offered
as a short-term fixed loan, balloon mortgages offer long-term
amortization periods, so payments are equal to or less
than traditional fixed-rate mortgages. |
| • |
Balance
is due at maturity. |
| • |
You
may also have the option to refinance at the current market
rate. |
Please
see a Virginia National Bank Lender for other loan products
and services to meet your needs. |
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